To

Ms. S. Ramadevi, Officer on Special Duty / Mr.R.Srinivasan, Officer on
Special Duty
Insurance Regulatory and Development Authority
Parishrama Bhawanam, 5-9-58/B, Basheerbagh, Hyderabad – 500004.
Sub: Complaint against Bajaj Allianz General Insurance Company Limited against cover
Note Number BZ0801624964 dtd: 04/05/2009 Time 14:50 hrs issued from Sector - 15
branch with IMD code 10002659 in the name of Mohan Lal Grover for Vehicle No.
HR29T2967; Indica DLS


Respected Sir


This is with reference to above cited subject; I hereby would like to inform about
the cover note issued by Branch Manager of Bajaj Allianz General Insurance Company
Limited from the branch situated at Sector – 15, Faridabad.


As per The calculation of the premium for the policy provided by the Branch Manager
we have issued a cheque No. 995148 dtd 30/04/2009 in favour of Bajaj Allianz General
Insurance Company Limited for Rs. 8695/- (Rupees Eight Thousand Six Hundred Ninety
Five only) against renewal of our old policy with Policy No OG-09-1101-1801-00004006
expiring on 08/05/2009.


Against the said payment we have been issued a cover note with cover Note Number
BZ0801624964 dtd: 04/05/2009 Time 14:04 hrs issued from Sector - 15 branch with IMD
Code 10002659 in the name of Mohan Lal Grover for Vehicle No. HR29T2967 Indica DLS
and have been told that we will receive the Renewed policy with in or before one
month from the date of issue of cover note. Now we have received a call from Bajaj
Allianz General Insurance Company Limited that they are helpless to renew the policy
due to short payment received. I explained the same person that the above said
amount is calculated by the branch manager (sector-15) of your company and we have
paid full amount as per him against which we have been issued the cover note where
in the same calculated amount has been mentioned.


Now the company is denying issuing the renewal of policy which is already expired on
08/05/09 as explained above and asking to pay short amount.


Here I would like to bring to your kind notice we are having cover note issued by
company where company agrees to issue a policy against the said amount of Rs.
8695/-; so in last moment how can they back out from their commitment and intimating
us after passing about one month of submission of payment. At the time of payment we
have also consulted with other insurance companies; which were ready to issue the
policy on about same amount but we preferred to continue with existing company from
where our vehicle is insured.


Seeking to the above and as per IRDA guidelines we want to you take action against
Bajaj Allianz General Insurance Company Limited and help us to get our policy
renewed on the same amount as agreed by the said company.


I hereby attaching the scanned copy of cover note we are having issued by the
company for your kind reference as a proof we have. Request you to please take this
issue on priority and close the same on urgent basis as our old policy is already
expired and we are having only the cover note as the supporting document and request
you in case the policy is not renewed immediately and if any mishappening occur
during the period Bajaj Allianz General Insurance Company Limited should be liable
to pay all the loses for the Vehicle with Number HR29T2967 against the said cover
note.


Looking forward for your positive action



Regards


Mohan Lal Grover

H.No - 1550, Sector - 8
Faridabad - 121006
Haryana
India

As there is no contact information, please contact the nos below and we will be happy to help you.

Helpline Number
LIFE INSURANCE
Toll free numbers Standard STD rates apply
MTNL/BSNL 1800- 233- 7272 Tel (+91 020) 30587888
Tata 1800- 209- 7272 Fax (+91 020) 40111502
Bharti 1800- 103- 7272 Email life@bajajallianz.co.in
Reliance 1800-3000-7272 SMS Super@56070

GENERAL INSURANCE
Toll free numbers Standard STD rates apply
Any Landline/Mobile 1800-209-5858 Tel (+91 020) 30305858
MTNL/BSNL 1800-22-5858 Fax (+91 020) 66026667
Bharti 1800-102-5858 Email info@bajajallianz.co.in

Hi,

I have taken individual health policy.
issue date is on 24-nov-2009
policy period was upto 12 months from 25-nov-2009
means it will get expire on 25-nov-2010.
I called to customer care and got the information like my policy already got expired.
please let me know the clear details like,
how can i get renewal of my policy and also let me know how can i
increase the policy sum amount insured.

Thanks & Regards,
Radha

This complaint is against

Bajaj Allianz General Insurance Company Ltd.
Ground Floor, 32/2, Ashoka Plaza,
Next to Weikfield Company, Nagar road,
Pune – 411014
By
Hemant Kumar Shrivastava
Shivaji Nagar, Amkho Lashkar Gwalior, MP.

In reference to

Policy No. OG-10-1401-9910-00001923
Imdcode : 10013719
Insurance plan chosen: StudentEliteGold(US$2Lac)
(Ref Notification no. 38587775)

I have taken above mentioned policy from Bajaj Allianz when I went for higher study in Germany (from August 2009 to July 2010). This policy not only covers health but also personal liability. During my stay in Germany I accidentally damaged the carpet in my rented apartment for which company from which I got the apartment on rent claimed 3208.07 Euros from me. Considering me as a student they only claimed 1604.03 Euros.
I provided following documents to Bajaj Allianz
1. Filled Personal liability claim form
2. Claim for compensation from the FacilityServices Hannover, Germany (from which I took apartment on rent in Germany).
3. Invoice details to rectify the damage by a separate company in Germany.
4. Photographs showing the damage on the carpet in the apartment
5. Passport/Visa copy (country entry and leaving details)
6. Rental Agreement (According to German Court of Law)
I was covered against any personal liability claim during my stay in Germany (by StudentEliteGold policy from Bajaj Allianz). Even though I was covered under the policy, Bajaj Alllianz rejected my claim for two reasons.

1. Bajaj Allianz was not informed before signing the rental contract with German Agency for rental accommodation.
2. There was no foreign court involved
I insisted that my claim is very well within the policy due to following facts.
1. Policy document nowhere explicitly mentions that I needed to inform Bajaj Allianz before signing any rental contract. Since I went for study abroad, it is very much understood that I would be living in a rented apartment. Almost all students who go abroad for study do stay in the rented apartment and for which they sign rental agreement. Since policy was for my entire stay in Germany, it has to cover my stay in rented apartment. If it is not then policy is misleading and incomplete for the student’s requirement in foreign land. According to section F #6.2 and 6.6.8 in the policy document claim against rental property damage should be very well under the scope of policy.
2. As far as intervention by foreign court of law concern, I have provided all necessary documents, according to procedures followed in Germany. I have also offered Bajaj Allianz to confirm the procedures with their German branch/counterpart. I also offered them to have talk with German agency from which I took apartment on rent. I consulted Bajaj Allianz Manager at Jaipur office, from which I bought the policy, and came to know that my claim should be very well admissible. Besides other necessary document, I provided copy of rental contract (legal from the German rental law perspective).

Based on my above arguments Bajaj Allianz accepted to review my claim. Next time they argued that I should have informed the company about rental contract while I was buying the policy. They said that premium term would have varied accordingly. It was completely baseless argument. They showed that they just do not want to pay my claim. When I insisted that their argument is baseless, as it is obvious for any student, going abroad; to sign a rent agreement and it should be well within the policy. On my argument they offered partial payment but not full, that too after many months of my filing the claim. When I re-insisted that according to policy document there is no reason for declining the full claim they denied me my claim.

I went for higher study on loan and after coming back to India I didn’t have job for many months. I not only face financial difficulties but also faced mental agony due to non acceptance of my genuine claim by Bajaj Allianz. I filed my claim in August 2010 and this is April 2011, such a long time for claim processing and finally denying the claim has caused lots of mental and psychological pressure on me. I belong to middle class family and it is very tough at my end to hire a separate lawyer to file a case against Bajaj Allianz.


With the help of this forum, now, I demand reimbursement of full claim amount (1604.03 Euros) and due compensation against mental and financial suffering caused by Bajaj Allianz. This policy has not proved friendly to students going abroad for study. I have already paid 1114.5 Euros to German company and rest 489.58 Euros are still need to be paid by me.


Regards,

Hemant
He_shrivastava@yahoo.com